Posts made by jtownsucks46

mph Bank MM was 2.02% now 2.75%
Alliant CU Savings was 1.70% now 1.80%

Northpointe Bank Savings was 2.15% now 2.45%
Northpointe Bank MM was 2.15% now 2.45%
Rising Bank Savings was 2.10% now 2.20%
CIBC Bank Savings was 2.08% now 2.32%
Lending Club Savings was 2.07% now 2.15%
Colorado Savings Bank Savings was 1.75% now 2.00%
American Express Savings was 1.75% now 1.90%

Discover AAII Savings was 1.85% now 2.05%
Discover Savings was 1.80% now 2.00%
Popular Direct Savings was 1.75% now 1.90%
Smarty Pig Savings was 1.70% now 1.90%
Betterment Cash Reserve was 1.60% now 2.00%
Northern Bank Direct MM was 1.50% now 2.00%
PenFed Savings was 1.20% now 1.50%
Western State Bank MM was 0.75% now 2.00%

Vio Bank MM was 2.15% now 2.22%
Patriot Bank MM was 2.05% now 2.25%
Sallie Mae MM was 1.85% now 2.05%
iGo Banking MM was 1.85% now 2.15%
Bank Purely MM was 1.85% now 2.15%
SFGI Direct Savings was 1.81% now 2.01%
Barclays Bank Savings was 1.80% now 2.00%
Capital One Bank Savings was 1.75% now 1.90%
Paramount Bank Checking was 1.55% now 2.00%
Dollar Savings Direct was 1.40% now 2.00%
My Savings Direct was 1.00% now 1.50%

For anyone looking at Brilliant Bank, they are nationwide with the exception of Arkansas, Kansas, Missouri, and Oklahoma.

Discover AAII Savings was 1.75% now 1.85%
Discover Savings was 1.70% now 1.80%

Ally Savings rate increasing to 2.00% APY as of 9/02.

Synchrony Bank Savings was 1.80% now 2.05%
TIAA Bank MM was 1.20% now 1.60%
Varo Savings was 1.20% now 2.00%

Alliant Credit Union was 1.60% now 1.70%

Vio Bank MM was 2.10% now 2.15%
Prime Alliance Bank Savings was 2.05% now 2.26%
State Exchange Bank Savings was 2.00% now 2.35%
Tab Bank Savings was 1.92% now 2.16%
Smarty Pig Savings was 1.65% now 1.70%
Colorado Savings Bank Savings was 1.45% now 1.75%
National Cooperative Bank MM was 1.01% now 1.16%

American Express Savings was 1.65% now 1.75%

Ally Bank Savings was 1.75% now 1.85%
Sallie Mae MM was 1.75% now 1.85%
Capital One 360 Savings was 1.70% now 1.75%
FNBO Savings was 1.41% now 1.65%
CIT Bank MM was 1.30% now 1.40%
CIT Bank Savings Builder was 0.80% now 0.85%

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Ivy Bank Savings was 1.90% now 2.15% - not available in California

Now 2.30%

Valley Direct Savings was 2.10% now 2.20%
Liberty Savings Bank Savings was 1.85% now 2.50%
Quontic Savings was 1.85% now 2.05%
All America Bank Checking was 1.75% now 2.25%
Redneck Bank Checking was 1.75% now 2.25%
Discover AAII Savings was 1.65% now 1.75%
Discover Savings was 1.60% now 1.70%
Rising Bank Savings was 1.60% now 2.10%
Popular Direct Savings was 1.55% now 1.75%
SFGI Direct Savings was 1.51% now 1.81%
American Express Savings was 1.50% now 1.65%

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46
NASB (2.53%) had online application yesterday. gone today.
I guess they were flooded and had to suspend, too !
https://www.nasb.com/

When I checked them before their accounts weren’t available nationwide(despite their name indicating they should be!)

New rate leader - Ponce Bank MM 2.50% - since CFG Bank MM 2.55% has temporarily suspended applications for new accounts.

https://www.savebetter.com/ponce-bank/ponce-mmda

CIBC Agility Savings was 1.95% now 2.08%
Northpointe Banks MM was 1.75% now 2.15%
Northpointe Bank Savings was 1.75% now 2.15%
Citizen’s Savings was 1.75% now 2.10%
Ponce Bank MM was 1.75% now 2.50%
Sky One MM was 1.70% now 2.20%
Discover AAII Savings was 1.55% now 1.65%
Liberty Savings Bank Savings was 1.51% now 1.85%
Bank 7 Savings was 1.50% now 1.80%
Capital One 360 Savings was 1.50% now 1.70%
Discover Savings was 1.50% now 1.60%
Sallie Mae MM 1.50% now 1.75%
Marcus Savings was 1.50% now 1.70%
Popular Direct Savings was 1.45% now 1.55%
Amex Savings was 1.40% now 1.50%
Smarty Pig Savings was 1.40% now 1.65%
Rising Bank Savings was 1.30% now 1.60%
FNBO Direct Savings was 1.20% now 1.41%
Northern Bank Direct MM was 0.45% now 1.50%
Bank5 Connect Savings was 0.40% now 1.50%

@platypus said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 Another site is showing this account (CFG Bank) limits ACH transfers to $5K daily, $30K per month. Anyone know if this is still the case? TIA

Not sure. If you call the bank and find out, please report back!

CFG Bank Money Market was 2.30% now 2.55%

Prime Alliance Personal Savings was 1.55% now 2.05%
Personal Capital was 1.40% now 2.02%
Valley Direct Savings was 1.25% now 2.10%
Dollar Savings Direct Savings was 1.00% now 1.40%
Colorado FSB Savings was 1.00% now 1.45%
My Savings Direct Savings was 0.75% now 1.00%

Ivy Bank Savings was 1.90% now 2.15% - not available in California

In addition to @goldsheet 's above updates:

CFG Money Market was 2.10% now 2.30%
MyBanking Direct Savings was 2.02% now 2.20%
Barclays Savings was 1.40% now 1.65%
Discover AAII Savings was 1.35% now 1.55%
Discover Savings was 1.30% now 1.50%
Northpointe Bank Savings was 1.25% now 1.75%
Northpointe Bank Money Market was 1.25% now 1.75%
Alliant Savings was 1.20% now 1.40%
Popular Direct Savings was 1.15% now 1.45%
Smarty Pig Savings was 1.15% now 1.40%
Betterment Cash Reserve was 1.10% now 1.60%
TIAA Money Market was 0.90% now 1.20%

@platypus said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 Merchants is definitely the highest rate I’ve seen so far, but I have an account with them & it’s very difficult to maintain. It’s hard for me to transfer funds in, because my bank (BofA) charges a fee to transfer to an outside bank account. I realize that’s not the case for everyone, but just be aware of this. The info I got from Merchant’s a few months ago is as follows:

There are three ways that you can transfer to and from your account with us:

1.Wire transfer ( We will refund our wire fee in or out. You will just need to let me know that you are doing a wire so I can refund it)

2. ACH ( You would need to initiate it through the financial institution that you are moving the funds from or to)
3. Check. (You can mail a check to us and we will deposit it for you or you can write a check to move funds to you other financial institution)

I didn’t know there were any banks that charged for ACH transfers - that’s wild that BOA does that!!!

Thanks for the updates! Here are some additional updates:

CFG Bank MM was 2.05% now 2.10%
Merchants Bank of Indiana Savings was 1.51 now 2.28%
Wealthfront Cash Account was 1.40% now 2.00%
Etrade Savings was 1.40% now 2.00%
Paramount Checking was 1.25% now 1.55%
SFGI Direct Savings was 1.21% now 1.51%
Sallie Mae MM was 1.20% now 1.50%
CIT Bank MM was 1.00% now 1.30%
CIT Bank Savings Builder was 0.70% now 0.80%
Virtual Bank MM was 0.40% now 1.00%

Thanks @goldsheet for all the updates. Table is updated with those updates and these:

Synchrony was 1.40% now 1.65%
Discover AAII Savings was 1.25% now 1.35%
Discover Savings was 1.20% now 1.30%
Rising Bank Savings was 1.20% now 1.30%
FNBO Savings was 1.00% now 1.20%
Connect One Savings was 1.00% now 1.25%

@sonofzeus said in UTZ Quality Foods Class Action Settlement, Exp 07-28-2019:

I got $3.72. I have no idea why it’s more than yours.

$3.72 here as well

Patriot Bank Money Market was 1.45% now 1.65%
State Exchange high Yield Savings was 1.40% now 1.60%
Vio Money Market was 1.30% now 1.65%
Paramount Checking was 1.00% now 1.25%
American Express Savings was 1.00% now 1.15%
Vio High Yield Savings was 0.60% now 0.75%

AND OUR FIRST ACCOUNT BREACHING 2%!!!

My Banking Direct High Yield Savings was 1.25% now 2.00%

Doesn’t appear to be a coupon on the listing any longer.

Fingers crossed the police catch the scammer and recover the money. Let us know what ends up happening!

No, the bank does not have responsibility to wait for checks to clear to make the funds available to the customer. Regulation CC governs this, and banks are typically required to make funds available to the customer within 2 business days of the deposit. The bank is not responsible because the customer willingly sent the money and FDIC insurance does not come into play here nor does the bank’s insurance. Your son will likely have to pay the $3950 unless the police can catch the thief and recover the money which is highly unlikely. He should likely chalk this up to experience of not sending money through Zelle unless he’s absolutely certain of what he’s doing. Unfortunately, there are so many scams like this out there, but he likely will learn from this and never fall for another one so that’s one positive to focus on.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Just noticed Ivy Bank has a exception
"California residents are not eligible for Ivy Bank products and services"
Makes it about 88% nationally available
Notation or delete ?

Ivy Bank, although not nationally available due to not allowing California residents as @goldsheet mentioned upthread, is up to 1.70%

UFB Direct Savings was 1.51% now 1.66%
CFG High Yield Money Market was 1.30% now 1.65%
Sky One FCU Money Market was 1.25% now 1.40%
CIT Savings Connect was 1.20% now 1.35%
Marcus Online Savings was 1.00% now 1.20%
Alliant High Rate Savings was 1.00% now 1.05%
CIT Money Market was 0.85% now 1.00%
CommunityWide FCU High Rate Quarterly was 0.80 now 1.20%
TIAA Money Market was 0.70% now 0.90%
Northpointe Bank Ultimate Money Market was 0.65% now 1.25%
CIT Savings Builder was 0.65% now 0.70%
Northpointe Bank Ultimate Savings was 0.65% now 1.25%
Countrywide FCU High Rate Monthly was 0.60% now 0.70%
Self Help Money Market was 0.40% now 0.53%

Brio Direct High Yield Savings was 1.15% now 1.80%
Prime Alliance Personal Savings was 1.11% now 1.55%
Vio Bank Money Market was 1.03% now 1.30%
Discover AAII Online Savings was 0.95% now 1.05%
American Express High Yield Savings was 0.90% now 1.00%
Discover Online Savings was 0.90% now 1.00%
Valley Direct Savings was 0.90% now 1.25%
Sallie Mae Money Market was 0.90% now 1.20%
Bank Onward Savings was 0.80% now 1.00%
Paramount Interest Checking was 0.75% now 1.00%
FNBO Online Savings was 0.65% now 0.85%
Smarty Pig by Sallie Mae was 0.65% now 1.10%
Personal Capital Cash was 0.65% now 1.40%
My Savings Direct Savings was 0.50% now 0.75%
National Cooperative Bank Impact Money Market was 0.50% now 1.01%
Bank Purely Money Market was 0.50% now 1.30%
Customers Bank High Yield Savings was 0.25% now 0.75%
Zion’s Bank Online Money Market was 0.20% now 0.45%

Bread High Yield Savings was 1.15% now 1.65%
Capital One Online Savings was 0.90% now 1.00%
All America Bank Mega Money Market was 0.85% now 1.35%
Redneck Bank Mega Money Market was 0.85% now 1.35%
Synchrony High Yield Savings was 0.85% now 1.10%
Customers Bank Ascent Money Market Savings was 0.75% now 1.00%
Betterment Cash Reserve was 0.75% now 1.10%
Dollar Savings Direct Savings was 0.75% now 1.00%
Connect One Bank Savings was 0.70% now 1.00%

@platypus said in Best Nationally Available High APY Liquid Accounts:

Bask Bank up to 1.61% today.

Still shows 1.5% on their site?

Never mind, now I see that they updated the main page with the 1.61% but not the product specific page.

State Exchange Bank was 1.25% now 1.40%
CFG Bank was 1.17% now 1.30%

Marcus Online Savings was 0.85% now 1.00%

Wealthfront Cash was 0.85% now 1.40%
Popular Direct High Yield Savings was 0.85% now 1.05%
Bank 7 High-Rate Online Savings was 0.75% now 0.90%
American Express High Yield Savings was 0.75% now 0.90%
Vio Bank High Yield Online Savings was 0.50% now 0.60%
iGo Banking Money Market was 0.50% now 1.30%

Colorado Savings Bank High Yield Savings was 0.90% now 1.00%

Lots of updates - table is updated!

Colorado Savings Bank Premier Savings was 0.70% now 0.90%
CIBC Online Savings was 0.62% now 0.72%
Synchrony High Yield Savings was 0.60% now 0.85%
Brio High Yield Money Market was 0.55% now 0.70%
Brio High Yield Savings was 0.40% now 1.00%
Betterment Cash Reserve was 0.50% now 0.75%
Personal Capital was 0.15% now 0.65%

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Salem Five Direct High Yield Savings was 0.40% now 1.01%

Is that the same as the eOne Savings?

Yes, looks like they re-named the account.

CFG Bank Money Market was 0.82% now 1.02%
CIT Money Market was 0.55% now 0.70%
Ally Bank Online Savings was 0.50% now 0.60%
CIT Savings Builder was 0.45% now 0.55%
Salem Five Direct High Yield Savings was 0.40% now 1.01%

Bask Bank was 0.80% now 1.25%
MyBankingDirect was 0.77% now 1.00%

Table updated - thanks everyone!

Found out that downloading the app gives you another 1,000 points.

I signed up but only got 1,000 points which is a $5 reward. Still can get some $10 socks for $3 shipped.

Can I return or make a price adjustment on an item that earned Kohl’s Cash?
Yes, of course! We’ll just have to decrease the value of your Kohl’s Cash Coupon.

Did you already spend your Kohl’s Cash?
No problem! If you’ve already used your Kohl’s Cash, you’ll get a refund in the form of your original payment, minus the amount of the Kohl’s Cash Coupon you spent.

Are you returning merchandise that was purchased with Kohl’s Cash?
Again, no problem. We’ll return the value of the Kohl’s Cash Coupon to you as Return Kohl’s Cash, valid for 30 days from the date of your return.

https://www.kohls.com/feature/kohls-cash.jsp#0

The $10 KC was a reward for buying the original item. When you return the original item, they should reduce the refund price by $10 to account for the reward that you’re no longer entitled to. I’m not sure how this could be viewed as a scam…

New nationally available account added:

Bank Onward 0.65%
https://www.bankwithbo.com/products

Table updated with recent rate changes for all accounts.